How to know if it's a good or bad retopology?
you topology seems good, but i recommend to smooth/relax some of those edge loops in the back/shoulder, and additionally you can improve a bit the shoulder edge flow like this, also a add more captures of the head and other areas if you can... remove some unnecesary edge loops in some areas can help too, addtionaly when you rig this check the preserve volume option in the armature modifier, and add a smooth corrective modifier below with the default setting should be fine, and then also add 1 level of sub-div modifier below of that one, then it should be fine for animation, also remember to avoid 6 vert poles in your model, also the model has to be all quad based as possible (you can leave a few triangulates in some areas, the subdiv modifier will erase it) to use the subdiv properly